Posted by Spanannie on April 15, 2005, 8:58 pm
We were hit pretty hard 2 weeks ago in a bad rain/hail storm. 8 windows
were broken, gutters damaged, western and southern slopes of roof
"damaged". Evidentally some of the granules on those parts of the roof
are missing. Our house is one year old today, is it really necessary to
replace the entire roof? Farmers says that they will only pay for the
part that was damaged. Most roofers around here say that they will only
do a complete roof. We really don't know what the truth is. Any
insight will be appreciated.
Thanks,
Annie
Posted by homeowner on April 15, 2005, 9:17 pm
On Sat, 16 Apr 2005 00:58:28 GMT, in misc.consumers.house Spanannie
>We were hit pretty hard 2 weeks ago in a bad rain/hail storm. 8 windows
>were broken, gutters damaged, western and southern slopes of roof
>"damaged". Evidentally some of the granules on those parts of the roof
>are missing. Our house is one year old today, is it really necessary to
> replace the entire roof? Farmers says that they will only pay for the
>part that was damaged. Most roofers around here say that they will only
>do a complete roof. We really don't know what the truth is. Any
>insight will be appreciated.
>Thanks,
>Annie
Oh yeah we know that story. I small section of vinyl was damaged in our kitchen
and all the flooring stores say they will only replace ALL the vinyl in the
kitchen, dining room and bathroom. Sounds like roofer in your area are a bunch
of rip off artists.. We are going to replace the damaged vinyl ourself.
Posted by Al Bundy on April 16, 2005, 9:09 am
If your total job is big enough you might contact an insurance adjuster
to work for you interest. You too might succeed if you keep pushing.
But really, if the damage is only on one side there is no reason to
replace the whole roof because some of the contractors are resisting
the job. Someone will quote that work. They may have to charge extra
for the fact that they have to set up for a smaller job, but less than
a full roof charge. In my area the insurance company will suggest a
company that can do the work.
PS. Roofing is one job that is quite variable. Pricing can vary by 50%
for the same work. You really have to shop and network with friends to
get a good result.
Posted by Spanannie on April 16, 2005, 1:31 pm
We can't find anyone who wants to do a partial roof. It is a big enough
job (2/3 of the roof on our 4000 sq ft home); it's just that they know
that insurance is involved and they want to push homeowners to get a new
roof, since they know they can push the homeowners to get the insurance
to pay for it. Farmers is one insurance company that will only pay for
a partial roof. The roofers want us to fight Farmers on it. We don't
know who's right: Farmers or the roofers.
The roofers have the attitude that this is a free roof for us. That is
not the case: 1) our deductible is $6200 2) we just built this home 1
yr ago.
Annie
Al Bundy wrote:
> If your total job is big enough you might contact an insurance adjuster
> to work for you interest. You too might succeed if you keep pushing.
> But really, if the damage is only on one side there is no reason to
> replace the whole roof because some of the contractors are resisting
> the job. Someone will quote that work. They may have to charge extra
> for the fact that they have to set up for a smaller job, but less than
> a full roof charge. In my area the insurance company will suggest a
> company that can do the work.
> PS. Roofing is one job that is quite variable. Pricing can vary by 50%
> for the same work. You really have to shop and network with friends to
> get a good result.
>
Posted by homeowner on April 16, 2005, 1:52 pm
The roofers sound like a bunch of thrives and rouges.
On Sat, 16 Apr 2005 17:31:41 GMT, in misc.consumers.house Spanannie
>We can't find anyone who wants to do a partial roof. It is a big enough
>job (2/3 of the roof on our 4000 sq ft home); it's just that they know
>that insurance is involved and they want to push homeowners to get a new
>roof, since they know they can push the homeowners to get the insurance
>to pay for it. Farmers is one insurance company that will only pay for
>a partial roof. The roofers want us to fight Farmers on it. We don't
>know who's right: Farmers or the roofers.
>The roofers have the attitude that this is a free roof for us. That is
>not the case: 1) our deductible is $6200 2) we just built this home 1
>yr ago.
>Annie
>Al Bundy wrote:
>> If your total job is big enough you might contact an insurance adjuster
>> to work for you interest. You too might succeed if you keep pushing.
>> But really, if the damage is only on one side there is no reason to
>> replace the whole roof because some of the contractors are resisting
>> the job. Someone will quote that work. They may have to charge extra
>> for the fact that they have to set up for a smaller job, but less than
>> a full roof charge. In my area the insurance company will suggest a
>> company that can do the work.
>> PS. Roofing is one job that is quite variable. Pricing can vary by 50%
>> for the same work. You really have to shop and network with friends to
>> get a good result.
>>
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>were broken, gutters damaged, western and southern slopes of roof
>"damaged". Evidentally some of the granules on those parts of the roof
>are missing. Our house is one year old today, is it really necessary to
> replace the entire roof? Farmers says that they will only pay for the
>part that was damaged. Most roofers around here say that they will only
>do a complete roof. We really don't know what the truth is. Any
>insight will be appreciated.
>Thanks,
>Annie